Tied To A Contract

[west ham fan]

Hi a few years ago I got insurance for electrical appliences called under 1 roof, the orriginal company went bust and another company took over all clients, we were told no need to do anything, my direct debits would be taken as usual just on a different day of the month, no problems, then I began having problems with the company wanting payments when I had already payed via D/D, this did get sorted the company had actually set up two D/D so after a couple of weeks this was also sorted great I thought, then November payment was taken for £20.99 instead of the £15.99, so I rang to ask why I was told some body would contact me later well some body never did so a couple of days later I rang again with the same reply, this happened on 4 seperate occasions, I was so fed up I cancelled the D/D, I must point out that the certificate of insurence cover states "Expires on request". The company are now saying that I am in contract with them for 12 months from when they took over from the previous company, my question is because I did not sign anything and corespondence from the new company said that I need not do anything all would be the same, am I tied to this aggreement? cheers WHF

[baza]

Not an expert but I would suggest that they have broken any contract , if one existed, so I would sit back and not worry.

[Peter Pedant]

well as ever it depends on what your original contract says

specifically if they can sell on various rights and services without your consent
and whether it was a rolling contract.

and no ... both yourself and ADers cant tell without a view of the document

[west ham fan]

Hi there was never a contract, the original company known as Chilly warrenty never supplied a contract as I said it was on a rolling monthly D/D which suited me as I do not like contracts, so I think as baza said I will sit back and not worry, another thing that came out of the final telephone conversation was that the D/D had gone up to £20.99 because the contract stated for the first 6 months it was £13.99, well I had always paid £15.99, just don't touch them with a barge pole. Thanks for replies WHF. Merry Christmas to all AB's and a good 2015.

[buildersmate]

There clearly was a contract, it's just you don't have a copy. You'd have accepted some offer at the expiry of normal warranty in exchange for a payment which you set up by DD. From what you say, the terms appear to say expires on request, which you can perhaps claim you have done (not sure that you have).
As usual with some of these companies, they are probably telling porky-pies about the notice period. Sit back and wait to see what happens.